21.   They accepted small down payments on mortgages, let people borrow more than their incomes would justify and relied on customers to disclose their total debt.

22.   Wealthy people borrowed money from banks and the middle class from finance companies.

23.   When credit is too easy, people borrow and spend, which pushes prices up.

24.   Clinton also announced that the government is raising the maximum amount that people can borrow from the Federal Housing Administration.

25.   Interest rates are down, but it remains unclear whether people are borrowing more.

26.   The scheme also allows poor people to borrow money to set up small business ventures.